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Overview

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##                    ListingKey     ListingNumber    
##  17A93590655669644DB4C06:     6   Min.   :      4  
##  349D3587495831350F0F648:     4   1st Qu.: 400919  
##  47C1359638497431975670B:     4   Median : 600554  
##  8474358854651984137201C:     4   Mean   : 627886  
##  DE8535960513435199406CE:     4   3rd Qu.: 892634  
##  04C13599434217079754AEE:     3   Max.   :1255725  
##  (Other)                :113912                    
##                     ListingCreationDate  CreditGrade         Term      
##  2013-10-02 17:20:16.550000000:     6          :84984   Min.   :12.00  
##  2013-08-28 20:31:41.107000000:     4   C      : 5649   1st Qu.:36.00  
##  2013-09-08 09:27:44.853000000:     4   D      : 5153   Median :36.00  
##  2013-12-06 05:43:13.830000000:     4   B      : 4389   Mean   :40.83  
##  2013-12-06 11:44:58.283000000:     4   AA     : 3509   3rd Qu.:36.00  
##  2013-08-21 07:25:22.360000000:     3   HR     : 3508   Max.   :60.00  
##  (Other)                      :113912   (Other): 6745                  
##                  LoanStatus                  ClosedDate   
##  Current              :56576                      :58848  
##  Completed            :38074   2014-03-04 00:00:00:  105  
##  Chargedoff           :11992   2014-02-19 00:00:00:  100  
##  Defaulted            : 5018   2014-02-11 00:00:00:   92  
##  Past Due (1-15 days) :  806   2012-10-30 00:00:00:   81  
##  Past Due (31-60 days):  363   2013-02-26 00:00:00:   78  
##  (Other)              : 1108   (Other)            :54633  
##   BorrowerAPR       BorrowerRate     LenderYield     
##  Min.   :0.00653   Min.   :0.0000   Min.   :-0.0100  
##  1st Qu.:0.15629   1st Qu.:0.1340   1st Qu.: 0.1242  
##  Median :0.20976   Median :0.1840   Median : 0.1730  
##  Mean   :0.21883   Mean   :0.1928   Mean   : 0.1827  
##  3rd Qu.:0.28381   3rd Qu.:0.2500   3rd Qu.: 0.2400  
##  Max.   :0.51229   Max.   :0.4975   Max.   : 0.4925  
##  NA's   :25                                          
##  EstimatedEffectiveYield EstimatedLoss   EstimatedReturn 
##  Min.   :-0.183          Min.   :0.005   Min.   :-0.183  
##  1st Qu.: 0.116          1st Qu.:0.042   1st Qu.: 0.074  
##  Median : 0.162          Median :0.072   Median : 0.092  
##  Mean   : 0.169          Mean   :0.080   Mean   : 0.096  
##  3rd Qu.: 0.224          3rd Qu.:0.112   3rd Qu.: 0.117  
##  Max.   : 0.320          Max.   :0.366   Max.   : 0.284  
##  NA's   :29084           NA's   :29084   NA's   :29084   
##  ProsperRating..numeric. ProsperRating..Alpha.  ProsperScore  
##  Min.   :1.000                  :29084         Min.   : 1.00  
##  1st Qu.:3.000           C      :18345         1st Qu.: 4.00  
##  Median :4.000           B      :15581         Median : 6.00  
##  Mean   :4.072           A      :14551         Mean   : 5.95  
##  3rd Qu.:5.000           D      :14274         3rd Qu.: 8.00  
##  Max.   :7.000           E      : 9795         Max.   :11.00  
##  NA's   :29084           (Other):12307         NA's   :29084  
##  ListingCategory..numeric. BorrowerState  
##  Min.   : 0.000            CA     :14717  
##  1st Qu.: 1.000            TX     : 6842  
##  Median : 1.000            NY     : 6729  
##  Mean   : 2.774            FL     : 6720  
##  3rd Qu.: 3.000            IL     : 5921  
##  Max.   :20.000                   : 5515  
##                            (Other):67493  
##                     Occupation         EmploymentStatus
##  Other                   :28617   Employed     :67322  
##  Professional            :13628   Full-time    :26355  
##  Computer Programmer     : 4478   Self-employed: 6134  
##  Executive               : 4311   Not available: 5347  
##  Teacher                 : 3759   Other        : 3806  
##  Administrative Assistant: 3688                : 2255  
##  (Other)                 :55456   (Other)      : 2718  
##  EmploymentStatusDuration IsBorrowerHomeowner CurrentlyInGroup
##  Min.   :  0.00           False:56459         False:101218    
##  1st Qu.: 26.00           True :57478         True : 12719    
##  Median : 67.00                                               
##  Mean   : 96.07                                               
##  3rd Qu.:137.00                                               
##  Max.   :755.00                                               
##  NA's   :7625                                                 
##                     GroupKey                 DateCreditPulled 
##                         :100596   2013-12-23 09:38:12:     6  
##  783C3371218786870A73D20:  1140   2013-11-21 09:09:41:     4  
##  3D4D3366260257624AB272D:   916   2013-12-06 05:43:16:     4  
##  6A3B336601725506917317E:   698   2014-01-14 20:17:49:     4  
##  FEF83377364176536637E50:   611   2014-02-09 12:14:41:     4  
##  C9643379247860156A00EC0:   342   2013-09-27 22:04:54:     3  
##  (Other)                :  9634   (Other)            :113912  
##  CreditScoreRangeLower CreditScoreRangeUpper
##  Min.   :  0.0         Min.   : 19.0        
##  1st Qu.:660.0         1st Qu.:679.0        
##  Median :680.0         Median :699.0        
##  Mean   :685.6         Mean   :704.6        
##  3rd Qu.:720.0         3rd Qu.:739.0        
##  Max.   :880.0         Max.   :899.0        
##  NA's   :591           NA's   :591          
##         FirstRecordedCreditLine CurrentCreditLines OpenCreditLines
##                     :   697     Min.   : 0.00      Min.   : 0.00  
##  1993-12-01 00:00:00:   185     1st Qu.: 7.00      1st Qu.: 6.00  
##  1994-11-01 00:00:00:   178     Median :10.00      Median : 9.00  
##  1995-11-01 00:00:00:   168     Mean   :10.32      Mean   : 9.26  
##  1990-04-01 00:00:00:   161     3rd Qu.:13.00      3rd Qu.:12.00  
##  1995-03-01 00:00:00:   159     Max.   :59.00      Max.   :54.00  
##  (Other)            :112389     NA's   :7604       NA's   :7604   
##  TotalCreditLinespast7years OpenRevolvingAccounts
##  Min.   :  2.00             Min.   : 0.00        
##  1st Qu.: 17.00             1st Qu.: 4.00        
##  Median : 25.00             Median : 6.00        
##  Mean   : 26.75             Mean   : 6.97        
##  3rd Qu.: 35.00             3rd Qu.: 9.00        
##  Max.   :136.00             Max.   :51.00        
##  NA's   :697                                     
##  OpenRevolvingMonthlyPayment InquiriesLast6Months TotalInquiries   
##  Min.   :    0.0             Min.   :  0.000      Min.   :  0.000  
##  1st Qu.:  114.0             1st Qu.:  0.000      1st Qu.:  2.000  
##  Median :  271.0             Median :  1.000      Median :  4.000  
##  Mean   :  398.3             Mean   :  1.435      Mean   :  5.584  
##  3rd Qu.:  525.0             3rd Qu.:  2.000      3rd Qu.:  7.000  
##  Max.   :14985.0             Max.   :105.000      Max.   :379.000  
##                              NA's   :697          NA's   :1159     
##  CurrentDelinquencies AmountDelinquent   DelinquenciesLast7Years
##  Min.   : 0.0000      Min.   :     0.0   Min.   : 0.000         
##  1st Qu.: 0.0000      1st Qu.:     0.0   1st Qu.: 0.000         
##  Median : 0.0000      Median :     0.0   Median : 0.000         
##  Mean   : 0.5921      Mean   :   984.5   Mean   : 4.155         
##  3rd Qu.: 0.0000      3rd Qu.:     0.0   3rd Qu.: 3.000         
##  Max.   :83.0000      Max.   :463881.0   Max.   :99.000         
##  NA's   :697          NA's   :7622       NA's   :990            
##  PublicRecordsLast10Years PublicRecordsLast12Months RevolvingCreditBalance
##  Min.   : 0.0000          Min.   : 0.000            Min.   :      0       
##  1st Qu.: 0.0000          1st Qu.: 0.000            1st Qu.:   3121       
##  Median : 0.0000          Median : 0.000            Median :   8549       
##  Mean   : 0.3126          Mean   : 0.015            Mean   :  17599       
##  3rd Qu.: 0.0000          3rd Qu.: 0.000            3rd Qu.:  19521       
##  Max.   :38.0000          Max.   :20.000            Max.   :1435667       
##  NA's   :697              NA's   :7604              NA's   :7604          
##  BankcardUtilization AvailableBankcardCredit  TotalTrades    
##  Min.   :0.000       Min.   :     0          Min.   :  0.00  
##  1st Qu.:0.310       1st Qu.:   880          1st Qu.: 15.00  
##  Median :0.600       Median :  4100          Median : 22.00  
##  Mean   :0.561       Mean   : 11210          Mean   : 23.23  
##  3rd Qu.:0.840       3rd Qu.: 13180          3rd Qu.: 30.00  
##  Max.   :5.950       Max.   :646285          Max.   :126.00  
##  NA's   :7604        NA's   :7544            NA's   :7544    
##  TradesNeverDelinquent..percentage. TradesOpenedLast6Months
##  Min.   :0.000                      Min.   : 0.000         
##  1st Qu.:0.820                      1st Qu.: 0.000         
##  Median :0.940                      Median : 0.000         
##  Mean   :0.886                      Mean   : 0.802         
##  3rd Qu.:1.000                      3rd Qu.: 1.000         
##  Max.   :1.000                      Max.   :20.000         
##  NA's   :7544                       NA's   :7544           
##  DebtToIncomeRatio         IncomeRange    IncomeVerifiable
##  Min.   : 0.000    $25,000-49,999:32192   False:  8669    
##  1st Qu.: 0.140    $50,000-74,999:31050   True :105268    
##  Median : 0.220    $100,000+     :17337                   
##  Mean   : 0.276    $75,000-99,999:16916                   
##  3rd Qu.: 0.320    Not displayed : 7741                   
##  Max.   :10.010    $1-24,999     : 7274                   
##  NA's   :8554      (Other)       : 1427                   
##  StatedMonthlyIncome                    LoanKey       TotalProsperLoans
##  Min.   :      0     CB1B37030986463208432A1:     6   Min.   :0.00     
##  1st Qu.:   3200     2DEE3698211017519D7333F:     4   1st Qu.:1.00     
##  Median :   4667     9F4B37043517554537C364C:     4   Median :1.00     
##  Mean   :   5608     D895370150591392337ED6D:     4   Mean   :1.42     
##  3rd Qu.:   6825     E6FB37073953690388BC56D:     4   3rd Qu.:2.00     
##  Max.   :1750003     0D8F37036734373301ED419:     3   Max.   :8.00     
##                      (Other)                :113912   NA's   :91852    
##  TotalProsperPaymentsBilled OnTimeProsperPayments
##  Min.   :  0.00             Min.   :  0.00       
##  1st Qu.:  9.00             1st Qu.:  9.00       
##  Median : 16.00             Median : 15.00       
##  Mean   : 22.93             Mean   : 22.27       
##  3rd Qu.: 33.00             3rd Qu.: 32.00       
##  Max.   :141.00             Max.   :141.00       
##  NA's   :91852              NA's   :91852        
##  ProsperPaymentsLessThanOneMonthLate ProsperPaymentsOneMonthPlusLate
##  Min.   : 0.00                       Min.   : 0.00                  
##  1st Qu.: 0.00                       1st Qu.: 0.00                  
##  Median : 0.00                       Median : 0.00                  
##  Mean   : 0.61                       Mean   : 0.05                  
##  3rd Qu.: 0.00                       3rd Qu.: 0.00                  
##  Max.   :42.00                       Max.   :21.00                  
##  NA's   :91852                       NA's   :91852                  
##  ProsperPrincipalBorrowed ProsperPrincipalOutstanding
##  Min.   :    0            Min.   :    0              
##  1st Qu.: 3500            1st Qu.:    0              
##  Median : 6000            Median : 1627              
##  Mean   : 8472            Mean   : 2930              
##  3rd Qu.:11000            3rd Qu.: 4127              
##  Max.   :72499            Max.   :23451              
##  NA's   :91852            NA's   :91852              
##  ScorexChangeAtTimeOfListing LoanCurrentDaysDelinquent
##  Min.   :-209.00             Min.   :   0.0           
##  1st Qu.: -35.00             1st Qu.:   0.0           
##  Median :  -3.00             Median :   0.0           
##  Mean   :  -3.22             Mean   : 152.8           
##  3rd Qu.:  25.00             3rd Qu.:   0.0           
##  Max.   : 286.00             Max.   :2704.0           
##  NA's   :95009                                        
##  LoanFirstDefaultedCycleNumber LoanMonthsSinceOrigination   LoanNumber    
##  Min.   : 0.00                 Min.   :  0.0              Min.   :     1  
##  1st Qu.: 9.00                 1st Qu.:  6.0              1st Qu.: 37332  
##  Median :14.00                 Median : 21.0              Median : 68599  
##  Mean   :16.27                 Mean   : 31.9              Mean   : 69444  
##  3rd Qu.:22.00                 3rd Qu.: 65.0              3rd Qu.:101901  
##  Max.   :44.00                 Max.   :100.0              Max.   :136486  
##  NA's   :96985                                                            
##  LoanOriginalAmount          LoanOriginationDate LoanOriginationQuarter
##  Min.   : 1000      2014-01-22 00:00:00:   491   Q4 2013:14450         
##  1st Qu.: 4000      2013-11-13 00:00:00:   490   Q1 2014:12172         
##  Median : 6500      2014-02-19 00:00:00:   439   Q3 2013: 9180         
##  Mean   : 8337      2013-10-16 00:00:00:   434   Q2 2013: 7099         
##  3rd Qu.:12000      2014-01-28 00:00:00:   339   Q3 2012: 5632         
##  Max.   :35000      2013-09-24 00:00:00:   316   Q2 2012: 5061         
##                     (Other)            :111428   (Other):60343         
##                    MemberKey      MonthlyLoanPayment LP_CustomerPayments
##  63CA34120866140639431C9:     9   Min.   :   0.0     Min.   :   -2.35   
##  16083364744933457E57FB9:     8   1st Qu.: 131.6     1st Qu.: 1005.76   
##  3A2F3380477699707C81385:     8   Median : 217.7     Median : 2583.83   
##  4D9C3403302047712AD0CDD:     8   Mean   : 272.5     Mean   : 4183.08   
##  739C338135235294782AE75:     8   3rd Qu.: 371.6     3rd Qu.: 5548.40   
##  7E1733653050264822FAA3D:     8   Max.   :2251.5     Max.   :40702.39   
##  (Other)                :113888                                         
##  LP_CustomerPrincipalPayments LP_InterestandFees LP_ServiceFees   
##  Min.   :    0.0              Min.   :   -2.35   Min.   :-664.87  
##  1st Qu.:  500.9              1st Qu.:  274.87   1st Qu.: -73.18  
##  Median : 1587.5              Median :  700.84   Median : -34.44  
##  Mean   : 3105.5              Mean   : 1077.54   Mean   : -54.73  
##  3rd Qu.: 4000.0              3rd Qu.: 1458.54   3rd Qu.: -13.92  
##  Max.   :35000.0              Max.   :15617.03   Max.   :  32.06  
##                                                                   
##  LP_CollectionFees  LP_GrossPrincipalLoss LP_NetPrincipalLoss
##  Min.   :-9274.75   Min.   :  -94.2       Min.   : -954.5    
##  1st Qu.:    0.00   1st Qu.:    0.0       1st Qu.:    0.0    
##  Median :    0.00   Median :    0.0       Median :    0.0    
##  Mean   :  -14.24   Mean   :  700.4       Mean   :  681.4    
##  3rd Qu.:    0.00   3rd Qu.:    0.0       3rd Qu.:    0.0    
##  Max.   :    0.00   Max.   :25000.0       Max.   :25000.0    
##                                                              
##  LP_NonPrincipalRecoverypayments PercentFunded    Recommendations   
##  Min.   :    0.00                Min.   :0.7000   Min.   : 0.00000  
##  1st Qu.:    0.00                1st Qu.:1.0000   1st Qu.: 0.00000  
##  Median :    0.00                Median :1.0000   Median : 0.00000  
##  Mean   :   25.14                Mean   :0.9986   Mean   : 0.04803  
##  3rd Qu.:    0.00                3rd Qu.:1.0000   3rd Qu.: 0.00000  
##  Max.   :21117.90                Max.   :1.0125   Max.   :39.00000  
##                                                                     
##  InvestmentFromFriendsCount InvestmentFromFriendsAmount   Investors      
##  Min.   : 0.00000           Min.   :    0.00            Min.   :   1.00  
##  1st Qu.: 0.00000           1st Qu.:    0.00            1st Qu.:   2.00  
##  Median : 0.00000           Median :    0.00            Median :  44.00  
##  Mean   : 0.02346           Mean   :   16.55            Mean   :  80.48  
##  3rd Qu.: 0.00000           3rd Qu.:    0.00            3rd Qu.: 115.00  
##  Max.   :33.00000           Max.   :25000.00            Max.   :1189.00  
## 
##                ListingKey ListingNumber           ListingCreationDate
## 1 1021339766868145413AB3B        193129 2007-08-26 19:09:29.263000000
## 2 10273602499503308B223C1       1209647 2014-02-27 08:28:07.900000000
## 3 0EE9337825851032864889A         81716 2007-01-05 15:00:47.090000000
## 4 0EF5356002482715299901A        658116 2012-10-22 11:02:35.010000000
## 5 0F023589499656230C5E3E2        909464 2013-09-14 18:38:39.097000000
## 6 0F05359734824199381F61D       1074836 2013-12-14 08:26:37.093000000
##   CreditGrade Term LoanStatus          ClosedDate BorrowerAPR BorrowerRate
## 1           C   36  Completed 2009-08-14 00:00:00     0.16516       0.1580
## 2               36    Current                         0.12016       0.0920
## 3          HR   36  Completed 2009-12-17 00:00:00     0.28269       0.2750
## 4               36    Current                         0.12528       0.0974
## 5               36    Current                         0.24614       0.2085
## 6               60    Current                         0.15425       0.1314
##   LenderYield EstimatedEffectiveYield EstimatedLoss EstimatedReturn
## 1      0.1380                      NA            NA              NA
## 2      0.0820                 0.07960        0.0249         0.05470
## 3      0.2400                      NA            NA              NA
## 4      0.0874                 0.08490        0.0249         0.06000
## 5      0.1985                 0.18316        0.0925         0.09066
## 6      0.1214                 0.11567        0.0449         0.07077
##   ProsperRating..numeric. ProsperRating..Alpha. ProsperScore
## 1                      NA                                 NA
## 2                       6                     A            7
## 3                      NA                                 NA
## 4                       6                     A            9
## 5                       3                     D            4
## 6                       5                     B           10
##   ListingCategory..numeric. BorrowerState    Occupation EmploymentStatus
## 1                         0            CO         Other    Self-employed
## 2                         2            CO  Professional         Employed
## 3                         0            GA         Other    Not available
## 4                        16            GA Skilled Labor         Employed
## 5                         2            MN     Executive         Employed
## 6                         1            NM  Professional         Employed
##   EmploymentStatusDuration IsBorrowerHomeowner CurrentlyInGroup
## 1                        2                True             True
## 2                       44               False            False
## 3                       NA               False             True
## 4                      113                True            False
## 5                       44                True            False
## 6                       82                True            False
##                  GroupKey              DateCreditPulled
## 1                         2007-08-26 18:41:46.780000000
## 2                                   2014-02-27 08:28:14
## 3 783C3371218786870A73D20 2007-01-02 14:09:10.060000000
## 4                                   2012-10-22 11:02:32
## 5                                   2013-09-14 18:38:44
## 6                                   2013-12-14 08:26:40
##   CreditScoreRangeLower CreditScoreRangeUpper FirstRecordedCreditLine
## 1                   640                   659     2001-10-11 00:00:00
## 2                   680                   699     1996-03-18 00:00:00
## 3                   480                   499     2002-07-27 00:00:00
## 4                   800                   819     1983-02-28 00:00:00
## 5                   680                   699     2004-02-20 00:00:00
## 6                   740                   759     1973-03-01 00:00:00
##   CurrentCreditLines OpenCreditLines TotalCreditLinespast7years
## 1                  5               4                         12
## 2                 14              14                         29
## 3                 NA              NA                          3
## 4                  5               5                         29
## 5                 19              19                         49
## 6                 21              17                         49
##   OpenRevolvingAccounts OpenRevolvingMonthlyPayment InquiriesLast6Months
## 1                     1                          24                    3
## 2                    13                         389                    3
## 3                     0                           0                    0
## 4                     7                         115                    0
## 5                     6                         220                    1
## 6                    13                        1410                    0
##   TotalInquiries CurrentDelinquencies AmountDelinquent
## 1              3                    2              472
## 2              5                    0                0
## 3              1                    1               NA
## 4              1                    4            10056
## 5              9                    0                0
## 6              2                    0                0
##   DelinquenciesLast7Years PublicRecordsLast10Years
## 1                       4                        0
## 2                       0                        1
## 3                       0                        0
## 4                      14                        0
## 5                       0                        0
## 6                       0                        0
##   PublicRecordsLast12Months RevolvingCreditBalance BankcardUtilization
## 1                         0                      0                0.00
## 2                         0                   3989                0.21
## 3                        NA                     NA                  NA
## 4                         0                   1444                0.04
## 5                         0                   6193                0.81
## 6                         0                  62999                0.39
##   AvailableBankcardCredit TotalTrades TradesNeverDelinquent..percentage.
## 1                    1500          11                               0.81
## 2                   10266          29                               1.00
## 3                      NA          NA                                 NA
## 4                   30754          26                               0.76
## 5                     695          39                               0.95
## 6                   86509          47                               1.00
##   TradesOpenedLast6Months DebtToIncomeRatio    IncomeRange
## 1                       0              0.17 $25,000-49,999
## 2                       2              0.18 $50,000-74,999
## 3                      NA              0.06  Not displayed
## 4                       0              0.15 $25,000-49,999
## 5                       2              0.26      $100,000+
## 6                       0              0.36      $100,000+
##   IncomeVerifiable StatedMonthlyIncome                 LoanKey
## 1             True            3083.333 E33A3400205839220442E84
## 2             True            6125.000 9E3B37071505919926B1D82
## 3             True            2083.333 6954337960046817851BCB2
## 4             True            2875.000 A0393664465886295619C51
## 5             True            9583.333 A180369302188889200689E
## 6             True            8333.333 C3D63702273952547E79520
##   TotalProsperLoans TotalProsperPaymentsBilled OnTimeProsperPayments
## 1                NA                         NA                    NA
## 2                NA                         NA                    NA
## 3                NA                         NA                    NA
## 4                NA                         NA                    NA
## 5                 1                         11                    11
## 6                NA                         NA                    NA
##   ProsperPaymentsLessThanOneMonthLate ProsperPaymentsOneMonthPlusLate
## 1                                  NA                              NA
## 2                                  NA                              NA
## 3                                  NA                              NA
## 4                                  NA                              NA
## 5                                   0                               0
## 6                                  NA                              NA
##   ProsperPrincipalBorrowed ProsperPrincipalOutstanding
## 1                       NA                          NA
## 2                       NA                          NA
## 3                       NA                          NA
## 4                       NA                          NA
## 5                    11000                      9947.9
## 6                       NA                          NA
##   ScorexChangeAtTimeOfListing LoanCurrentDaysDelinquent
## 1                          NA                         0
## 2                          NA                         0
## 3                          NA                         0
## 4                          NA                         0
## 5                          NA                         0
## 6                          NA                         0
##   LoanFirstDefaultedCycleNumber LoanMonthsSinceOrigination LoanNumber
## 1                            NA                         78      19141
## 2                            NA                          0     134815
## 3                            NA                         86       6466
## 4                            NA                         16      77296
## 5                            NA                          6     102670
## 6                            NA                          3     123257
##   LoanOriginalAmount LoanOriginationDate LoanOriginationQuarter
## 1               9425 2007-09-12 00:00:00                Q3 2007
## 2              10000 2014-03-03 00:00:00                Q1 2014
## 3               3001 2007-01-17 00:00:00                Q1 2007
## 4              10000 2012-11-01 00:00:00                Q4 2012
## 5              15000 2013-09-20 00:00:00                Q3 2013
## 6              15000 2013-12-24 00:00:00                Q4 2013
##                 MemberKey MonthlyLoanPayment LP_CustomerPayments
## 1 1F3E3376408759268057EDA             330.43            11396.14
## 2 1D13370546739025387B2F4             318.93                0.00
## 3 5F7033715035555618FA612             123.32             4186.63
## 4 9ADE356069835475068C6D2             321.45             5143.20
## 5 36CE356043264555721F06C             563.97             2819.85
## 6 874A3701157341738DE458F             342.37              679.34
##   LP_CustomerPrincipalPayments LP_InterestandFees LP_ServiceFees
## 1                      9425.00            1971.14        -133.18
## 2                         0.00               0.00           0.00
## 3                      3001.00            1185.63         -24.20
## 4                      4091.09            1052.11        -108.01
## 5                      1563.22            1256.63         -60.27
## 6                       351.89             327.45         -25.33
##   LP_CollectionFees LP_GrossPrincipalLoss LP_NetPrincipalLoss
## 1                 0                     0                   0
## 2                 0                     0                   0
## 3                 0                     0                   0
## 4                 0                     0                   0
## 5                 0                     0                   0
## 6                 0                     0                   0
##   LP_NonPrincipalRecoverypayments PercentFunded Recommendations
## 1                               0             1               0
## 2                               0             1               0
## 3                               0             1               0
## 4                               0             1               0
## 5                               0             1               0
## 6                               0             1               0
##   InvestmentFromFriendsCount InvestmentFromFriendsAmount Investors
## 1                          0                           0       258
## 2                          0                           0         1
## 3                          0                           0        41
## 4                          0                           0       158
## 5                          0                           0        20
## 6                          0                           0         1

I’m interested in the overview of statuses of default loans

I’m unclear what the “chargedoff” parameter is. Looking up the definition it appears that this means a loan is severely past due. For that reason I’m going to create a new parameter that combines these charges with default to get an “unpaid” parameter. I“m also going to merge all of the past due parameters into a single column to clear up the clutter.

This new chart more succintly illustrates the various statuses of loans

I’m also curious how the duration of the loans break down via histogram

It looks like there’s only 3 types of loans at play here. 12, 36, and 60 months.

A couple other quick histograms, I see APR and BorrowerRate

I suspect that unpaid or defaulted loans are largely tied income. I want to see defaulted loans as income changes. I’m going to use my own table that aggregated the different types of default statuses

Not very telling. I want to hone in on the SevereDelinquent parameter so let me change the focus. Seems to be a pretty even spread. Perhaps the amount of the payment has an impact

Interestingly it appears that there’s a heavier concentration at lower monthly payments. It is not the expensive payments that lead strongly to delinquency or default.

Chaning direction, I’d like to know if people with higher take home incomes tend to have fewer delinquencies. There are very few instances of delinquencies it seems. I had to manpipulate the value quite a bit. There seems to be (very) slight increase in delinquencies as stated monthly income increases, confirmed via correlation test.

## 
##  Pearson's product-moment correlation
## 
## data:  loanData$DelinquenciesLast7Years and loanData$StatedMonthlyIncome
## t = -8.6753, df = 112940, p-value < 2.2e-16
## alternative hypothesis: true correlation is not equal to 0
## 95 percent confidence interval:
##  -0.03163235 -0.01997628
## sample estimates:
##         cor 
## -0.02580519

I’d like to work with credit score but there’s a range. As a simple workaround I’m going to take the average of the upper and lower bounds of the range.

Let’s see the histogram of this data

I want to add in the mean (blue) and median (green) credit scores as vertical lines

I think this average credit score will give me more useful info regarding default probability (this is essentially the same way a loaning agent would gauge risk as far as I can tell)

It’s clear here lower incomes have more defaults and as your credit score moves up your number of defaults drops. Let’s confirm with a linear regression

## 
## Call:
## lm(formula = AverageCreditScore ~ DelinquenciesLast7Years + IncomeRange, 
##     data = loanData)
## 
## Residuals:
##     Min      1Q  Median      3Q     Max 
## -617.19  -35.08   -2.55   34.23  262.81 
## 
## Coefficients:
##                            Estimate Std. Error t value Pr(>|t|)    
## (Intercept)               699.58224    2.34557 298.257  < 2e-16 ***
## DelinquenciesLast7Years    -1.39244    0.01716 -81.146  < 2e-16 ***
## IncomeRange$1-24,999      -13.31695    2.44281  -5.451 5.01e-08 ***
## IncomeRange$100,000+       25.00270    2.38652  10.477  < 2e-16 ***
## IncomeRange$25,000-49,999  -4.09927    2.36764  -1.731  0.08339 .  
## IncomeRange$50,000-74,999   7.36446    2.36843   3.109  0.00187 ** 
## IncomeRange$75,000-99,999  15.69179    2.38762   6.572 4.98e-11 ***
## IncomeRangeNot displayed  -72.88754    2.45125 -29.735  < 2e-16 ***
## IncomeRangeNot employed     7.82547    3.11875   2.509  0.01210 *  
## ---
## Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
## 
## Residual standard error: 58.3 on 112938 degrees of freedom
##   (990 observations deleted due to missingness)
## Multiple R-squared:  0.1781, Adjusted R-squared:  0.178 
## F-statistic:  3059 on 8 and 112938 DF,  p-value: < 2.2e-16

In most exmaples linear regression seems to indicate a strong correlation.

Summary

Plot 1: Modified Categorical Overview of Loan Statuses

Plot 2: Average Credit Scores of population along with Mean (Blue) and Median (Green) Scores from population

Plot3: Number of Delinquencies as credit score increases (further segmented by Income Range)

## 
## Call:
## lm(formula = AverageCreditScore ~ DelinquenciesLast7Years + IncomeRange, 
##     data = loanData)
## 
## Residuals:
##     Min      1Q  Median      3Q     Max 
## -617.19  -35.08   -2.55   34.23  262.81 
## 
## Coefficients:
##                            Estimate Std. Error t value Pr(>|t|)    
## (Intercept)               699.58224    2.34557 298.257  < 2e-16 ***
## DelinquenciesLast7Years    -1.39244    0.01716 -81.146  < 2e-16 ***
## IncomeRange$1-24,999      -13.31695    2.44281  -5.451 5.01e-08 ***
## IncomeRange$100,000+       25.00270    2.38652  10.477  < 2e-16 ***
## IncomeRange$25,000-49,999  -4.09927    2.36764  -1.731  0.08339 .  
## IncomeRange$50,000-74,999   7.36446    2.36843   3.109  0.00187 ** 
## IncomeRange$75,000-99,999  15.69179    2.38762   6.572 4.98e-11 ***
## IncomeRangeNot displayed  -72.88754    2.45125 -29.735  < 2e-16 ***
## IncomeRangeNot employed     7.82547    3.11875   2.509  0.01210 *  
## ---
## Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
## 
## Residual standard error: 58.3 on 112938 degrees of freedom
##   (990 observations deleted due to missingness)
## Multiple R-squared:  0.1781, Adjusted R-squared:  0.178 
## F-statistic:  3059 on 8 and 112938 DF,  p-value: < 2.2e-16

Reflection

This was an interesting dataset to work with. I was surprised to find a lack of correlation when it came to a lot of the data, particularly how little of an impact things like income had on default rate. It would be interesting to see additional data in this set such as metadata outlining if the individuals had ever been audited by the IRS, which might prove a positive indicator of potential to default. One of the things I like most about this data is the opportunity to use credit scores as indicators as this is a pretty common use case in the real world.